The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$36,183
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$37,308
−HK$1,144/mo
Today · 4.125%
HK$38,452
baseline
▲ 0.50% · 4.625%
HK$40,791
+HK$2,339/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$76,904/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,253
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,095/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$44,664
+HK$2,236/mo
Deposit HK$7.93M · loan HK$7.93M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$8.53M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,419
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$44,770
−HK$1,372/mo
Today · 4.125%
HK$46,142
baseline
▲ 0.50% · 4.625%
HK$48,950
+HK$2,808/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$92,284/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,304
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$49,599
−HK$1,314/mo
Today · 4.125%
HK$50,913
baseline
▲ 0.50% · 4.625%
HK$53,597
+HK$2,684/mo
Deposit HK$6.35M · loan HK$9.52M · min. income ≈ HK$101,826/mo (50% DSR)
Upfront cash ≈ HK$6.94M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,656
−HK$3,176/mo
▼ 0.25% · 3.875%
HK$52,232
−HK$1,600/mo
Today · 4.125%
HK$53,832
baseline
▲ 0.50% · 4.625%
HK$57,108
+HK$3,276/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$107,664/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,354
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$57,866
−HK$1,533/mo
Today · 4.125%
HK$59,399
baseline
▲ 0.50% · 4.625%
HK$62,530
+HK$3,131/mo
Deposit HK$4.76M · loan HK$11.11M · min. income ≈ HK$118,798/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,129
−HK$4,084/mo
▼ 0.25% · 3.875%
HK$67,155
−HK$2,058/mo
Today · 4.125%
HK$69,213
baseline
▲ 0.50% · 4.625%
HK$73,425
+HK$4,212/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$138,426/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,455
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$74,399
−HK$1,971/mo
Today · 4.125%
HK$76,370
baseline
▲ 0.50% · 4.625%
HK$80,395
+HK$4,025/mo
Deposit HK$1.59M · loan HK$14.28M · min. income ≈ HK$152,740/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$595,045 · Scale 2, in force from 26 Feb 2026)